'A dog's breakfast': ten of the year's best quotes

"Small IFAs are misguided in their perceptions of St James's Place. The idea we're sales-driven is fundamentally wrong" David Bellamy, SJP CEO "We're at the end of our tether. We're shocked at the way the FSA have treated this group of investors, primarily elderly people." Alan Shanks, ARM investors' steering group "If we have too many free riders there won't be much benefit." Chris Hannant, policy director at the Association of Professional Financial Advisers - formerly the Association of IFAs - hits out at advisers who back the trade body's efforts and benefit from its work, ...